You are in

Business Credit Card

If you have a small to medium sized business with up to two directors, owners (shareholders) or partners, you could be eligible for a Business Cashback Credit Card.

Stay in control of your business expenses and keep your cash flow moving with our Business Cashback Credit Card. A flexible way to manage your expenses, you can separate your business expenses from personal, while earning cashback on your business spend.

You'll get:

  • 1% cashback on all business spend.
  • Additional cards available at no extra cost to your £30 annual account fee.
  • No foreign transaction fees on purchases abroad when paying in the local currency.


  • Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month.

  • Flexible and simple options on how to pay your statement by Direct Debit, online or by post.

  • Detailed monthly statements listing each cardholders transactions on your paper statement.

  • Monthly spend limits, an optional service to control the amount each cardholder can spend.

23.7% APR representative (variable). Annual fee: £30.


Please read the full product details and terms & conditions before applying. Other borrowing options are available,
such as business loans or asset finance; see our business borrowing and finance options to find out more.


Our Business Cashback Credit Card lets you keep on top on your business expenses and efficiently manage your cash flow. If you have a small to medium sized business with up to two directors, owners (shareholders) or partners, you could be eligible for our Business Cashback Credit Card.

The cashback you'll earn and where

  • 1% cashback on all purchases for your business such as office supplies, petrol and IT equipment.

Receiving your cashback
We'll pay the total cashback you earn each month onto your Business Cashback Credit Card and you'll see it on your monthly statement. Read the full cashback terms (pdf)

23.7% APR representative (variable). Annual fee: £30.


The annual fee
We do not charge a fee per card, but charge an annual fee of £30. You can also add a card for an employee at no additional cost. We'll charge the £30 annual fee to your card as soon as you activate it and then again each year in the same month you took the card out (this may be different to the month you activated the card).

No foreign transaction fees on purchases abroad
Use your Business Cashback Credit Card abroad and you won't be charged any foreign transaction fees on purchases when paying in the local currency. We'll convert the foreign currency using the exchange rate set by MasterCard and won't charge a foreign transaction fee (also known as a Non-Sterling Transaction fee). Please make sure you choose the local currency option when using your card abroad. If you choose sterling, it means that the retailer will handle the conversion and may charge you a fee. If you make a cash withdrawal when abroad you will not be charged a foreign transaction fee but will be charged interest and a 3% cash transaction fee (minimum £3).

Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month.

Interest rates

  • Purchases: you'll pay 18.9% p.a.

  • Cash transactions: you'll pay 27.9% p.a. and a 3% fee (minimum £3) for each transaction.

  • You can see a useful summary of all the interest rates in the Summary Box (pdf) 

Other features

  • Contactless: make quick and easy purchases up to £30, wherever you see the contactless indicator

  • Pay with your mobile by linking your Santander debit or credit card to your Apple, Android or Samsung device

Account alerts
You’ll be automatically registered to receive an alert when nearing your credit limit to help you avoid fees, and we’ll send you other messages to notify you of certain activity on your account. These will be sent via SMS, or if we don’t have your mobile number, by e-mail or letter. Where not required for regulatory purposes, we’ll give you the option to opt-out. Once registered, you can opt-out via Online Banking or by calling us.

Minimum repayments
You must make repayments each month for at least the minimum payment amount. You'll find details of how the minimum payment is calculated in the Summary Box (pdf) 

Your money, your way
You choose how you bank with us.

Need a helping hand? Use Send Me the Link to send yourself our mobile apps, videos, guides, & factsheets

Send me the link allows you to send yourself links for our mobile apps, videos, guides, & factsheets which can help you with your Online & Mobile Banking needs. Access Send Me the Link here

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more. More on Online BankingPlus, set up personalised account alerts to let you know what's going on with your money.

Mobile Banking
Bank from anywhere using our Santander Business Banking app or by using Get the app 

Call us on 0800 218 2345. Lines are open Monday to Friday 8am to 9pm and Saturday 9am to 2pm.

You can check your balance, find out when your next payment is due and more.

Card security
For complete confidence, when you're shopping with a Santander credit card, you're protected by:

  • the latest chip and PIN technology to help protect you from someone trying to use your card

  • our Online Banking commitment which includes protection against internet fraud if your card is used online without your knowledge

For more information on protecting your account please refer to our Security Centre at

Payment methods
Making timely payments to your account will help you avoid any fees. You can make payments to your account in the following ways:

  • Direct Debit - you can set up a Direct Debit to ensure that your credit card payments are made on time. Choose to pay your full balance, the minimum amount or a fixed amount each month

  • Online - wherever you are, whatever time it is, you can log on to Online Banking and make a payment

  • By post

We'll send you a paper statement each month that will itemise each cardholders recent transactions. Your statement also shows your minimum payment and the date that it's due.

Protect yourself from fraud

It’s very important that you keep your banking details private and secure.

  • Never share a Santander One Time Passcode (OTP) with another person. Not even a Santander employee.
  • Never download software or let anyone log on to your computer or devices remotely during or after a cold call.
  • Never enter your Online Banking details after clicking on a link in an email or text message.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre.

Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader 

Pre-Contractual Explanation
We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the Business Credit Card Key Facts Document which can be accessed via the link above. You should also read this before you apply.

Is a business credit card right for my borrowing needs?
A credit card can be very expensive if you're not careful how you use it. It is best used when you can pay off the full balance quickly.

What interest and charges might apply?
Cash withdrawals are more expensive than purchases because you start paying interest immediately and will be charged a fee for each cash withdrawal made in the UK or abroad.

You will not be charged a non-sterling transaction fee for cash withdrawals or purchases made abroad. If you make a cash withdrawal you will be charged interest and a 3% cash transaction fee (minimum £3).

We charge an annual fee of £30 and a balance transfer fee of 3% (minimum £5) on any balance transfers. We can change the fees (including the annual fee) and interest rates on your card. We'll let you know in advance if we plan to do this.

For detailed information on fees and charges please read the Costs of Credit section in the Pre-Contract Credit Information and condition 8 of the credit agreement.

How much will I have to pay under the credit agreement?
It will cost you more if you only make your monthly minimum payments. It will cost you less if you pay off the full balance quickly.

What are the consequences to me if I do not keep up repayments?
If you miss your minimum payment you get charged a £12 fee, plus the interest keeps building up, so you end up paying back more. We will also record details with a credit reference agency and your credit rating could go down which would make it harder to get future credit. If you miss multiple repayments, your credit rating can be damaged and you might have legal proceedings brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt management company. To avoid getting into this situation, please contact us if you are having difficulties in making your repayments.

Changing your mind.
You can change your mind up to 14 days after you receive your card. If you do this, you must repay anything you owe.

You can apply for the Business Cashback Credit Card if:

  • all directors, owners (shareholders) or partners are aged 18 or over

  • all directors, owners (shareholders) or partners are UK residents

  • your business is registered in the UK

  • you have up to two directors, owners (shareholders) or partners

  • you are either a sole trader or your business is a partnership, limited liability partnership, or private limited company

  • you have a good credit history and haven't been declared bankrupt or had an Individual Voluntary Arrangement in the last 6 years (either the company, directors, owners or partners)

  • you haven't been a disqualified director or director of a failed business within the last 6 years

If you're a private limited company or limited liability partnership, you'll need to sign a Personal Guarantee when you're approved for the Business Cashback Credit Card.

Before you apply we recommend that you read the Summary Box (pdf) 

If you have more than two directors, owners (shareholders) or partners or your business entity isn't listed above, please visit Corporate & Commercial Banking 

Apply in branch
Contact your local branch to see if a Business Relationship Manager is available to support you.

You can apply for a credit card if you're a UK resident aged 18 years or over, have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years. We will conduct a credit check as part of the application and this will determine whether or not you're accepted and the credit limit that we can offer. We reserve the right to refuse any application.

Frequently asked questions

  • To report a lost or stolen credit card or if you believe you've been a victim of credit card fraud please call 0800 218 2345 (+44 289 077 5647 from abroad). Lines are open 24 hours a day, 7 days a week.

  • You can activate your credit card online by logging on to Online Business Banking or by calling 0800 456 1333. Lines are open 9am to 8pm Monday to Friday and 9am to 5pm Saturday.
    Additional cardholders will need to call on the number above to activate their card.

  • You can use your Santander credit cards abroad to make purchases and to withdraw local currency from cash machines as and when you need it, simply look for the MasterCard signs, and feel secure knowing that it's a safer option than carrying large amounts of cash or traveller's cheques.


    Business Cashback Credit Card: You will benefit from 0% non-sterling transaction fees on purchases when paying in the local currency and cash withdrawals. If you make a cash withdrawal you will be charged interest and a 3% cash transaction fee (minimum £3).


    For further peace of mind, please tell us about your travel arrangements by calling us on 0800 218 2345 (Lines are open Monday to Friday 8am to 9pm and Saturday 9am to 2pm). We’ll then be able to make sure your card isn't blocked when you use it overseas.

  • You can view your balance and credit limit online by logging on to Mobile Banking.


    You can also get this information by calling 0800 218 2345. Lines are open Monday to Friday 8am to 9pm and Saturday 9am to 2pm.

  • You'll need to complete and return the Business Cashback Credit Card Additional Cardholder form (pdf). Please return it to: BBCC Department, PO Box 983, Bradford, BD1 9FE. If you need help with your request please call the Business Banking call centre on 0800 218 2345. Lines are open between 8am to 9pm Monday to Friday and 9am to 2pm on Saturdays.

  • Can't find what you are looking for? Find more on the Business FAQs page.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.